WO2002013081A1

WO2002013081A1 - Settlement system for net shop

Info

Publication number: WO2002013081A1
Application number: PCT/JP2001/006755
Authority: WO
Inventors: Norihide Osatani
Original assignee: Norihide Osatani
Priority date: 2000-08-08
Filing date: 2001-08-06
Publication date: 2002-02-14

Abstract

The security is improved by transmitting personal identification information of low risk than the credit card number to the customer when the customer purchases a commodity over the Internet. The customer accesses the Web page of the shop through a personal computer or a portable telephone (10), makes an operation for the purchase, and transmits, e.g., the telephone number of the portable telephone of the customer as identification information to a server (50). The telephone company receives the telephone number from the server, check if the customer is a rightful subscriber, and sends, if rightful, a telephone number exclusively used for the payment. The customer calls the telephone number, confirms the purchase, and pays for the purchase. As additional information, the mail address given to the customer for the payment in advance can be used.

Description

Specification

Payment system in online shop

The present invention relates to a payment system in a net shop where a user accesses a home page by using a terminal connectable to the Internet and purchases products online. Background technology

With the widespread use of the Internet, it is possible to access the homepage of a specific store and use the Internet-enabled terminal such as a personal computer installed at home to shop online without actually visiting the store. ing. Customers can select the desired product from the products displayed on the monitor screen of the terminal. From the customer's standpoint, such online shops (virtual stores existing on the network) not only have the advantage of being able to shop at home without going out, but also from the standpoint of the store. However, there is an advantage that it is not necessary to actually open a store.

By the way, there are various payment methods for merchandise at online shops, but the most common method is payment by credit card. When the customer decides the product to purchase, the screen switches to the payment screen, where the credit card number is entered and transmitted via the Internet. A credit card number is a convenient payment method in the sense that it identifies the customer who purchased the product, but from the customer's perspective, the credit card number may be stolen and misused on the network Therefore, there is a problem in terms of security. In addition, there is a demerit that the commission is higher (about 7%) in the case of credit card settlement at a nedo shop than in the normal case.

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and a problem thereof is that when a user purchases a product online using a terminal that can be connected to the Internet, the payment system in an online shop has been improved in terms of security. »^

1-i Replacement Form (Rule 26) You.

Disclosure of the invention

In order to solve the above problems, the payment system in the online shop according to the present invention is:

A payment settlement system in an online shop where a homepage is accessed by a terminal that can be connected to the Internet to purchase products online, and a payment screen display means for displaying a payment settlement screen on a display screen provided on the terminal. Prepared,

The payment settlement screen is configured to input identification information of a customer's mobile terminal,

The present invention is characterized in that payment for the purchased product is made based on the input identification information.

Here, examples of the terminal that can be connected to the Internet include a personal computer, a Web TV, a mobile phone, and a mobile terminal such as a PHS. First, access any homepage using these terminals, display the homepage screen on the display screen of the terminal, perform operations for purchasing products (selection of products, etc.), and settle payment on the display screen. Display the screen. On this payment screen, the identification information of the mobile terminal is input as information for identifying the customer who purchased the product. Such identification information is normally safe to be known to others, so it can be said that it is more secure than credit card payment. Therefore, the configuration of the present invention can provide a payment system with improved security. As a preferred embodiment of the present invention, a mobile terminal (for example, a mobile phone) is provided which includes a determination unit for determining whether or not the input identification information is valid based on customer management information. And PHS) contracts, there are mobile terminals that can make prepaid contracts. Since so-called prepaid mobile terminals can be purchased and contracted anonymously, if the identification information of the prepaid mobile terminal is input, it is highly likely that the person who purchases the product cannot be identified. Prepaid or not

-2-Replacement form (Rule 26) Can be determined based on customer management information possessed by a mobile terminal company or the like. In addition, there are cases where mobile terminals are stolen or lost. In such a case, it is possible to determine that the input identification information is not legitimate, and take measures such as notifying with error information or warning information. Thus, a more secure system can be provided.

The mobile terminal that identifies the person who purchases the product may or may not have an Internet connection.

As another preferred embodiment of the present invention, there is a configuration in which, when the input identification information is legitimate, a telephone number dedicated to settlement is displayed on the display screen of the terminal.

If the input identification information is determined to be legitimate according to the processing by the determination means described above, a telephone number dedicated to settlement is displayed on the display screen of the terminal. In this method, a customer is called by a telephone number dedicated to payment for confirmation, and an attempt is made to make a final confirmation of the order contents of the product. This enables more secure net shopping.

As still another preferred embodiment of the present invention, guidance information transmitting means for transmitting guidance for confirming a purchased product by a customer calling with the telephone number dedicated to the settlement,

An authentication method for final confirmation of product purchase based on a customer's confirmation input is provided.

As described above, when a customer calls using a telephone number dedicated to settlement, for example, voice information for providing voice guidance is transmitted to the receiver that made the call. As a result, the product can be relied on within the service area.

A system that allows the user to input the telephone number of the mobile phone is used as the identification information.

Mobile phones have been rapidly becoming popular in recent years, and are used by specific individuals, unlike phones installed in homes that are shared by multiple people in the home. Therefore, the phone number of a mobile phone can be considered as identification information for identifying an individual. In addition, since it is considered that there is usually no problem even if the telephone number of a mobile phone is known to others, the system according to the present invention is more secure than a system in which a credit card number is entered and payment is made. It can be said that it is a system.

As still another preferred embodiment of the present invention, a customer database for registering customer information in advance when the customer uses the net shop, and second identification information is given to the customer at the time of the registration. One provided with identification information providing means is provided.

According to this configuration, first, the customer needs to register customer information. The customer information includes, for example, name, address, home (work) telephone number, mobile telephone number, and the like. Such customer information is registered in the customer database. By registering the customer information, the customer can use the net shop according to the present invention.

In addition, the customer is given the second identification when making this registration. The term “secondary” is used to mean that it is different from the identity of a mobile device. The second identification information can be used as information for identifying a customer or information for authenticating a customer. The second identification information can be constituted by an appropriate combination of arbitrary characters 'numeral' signs.

As still another preferred embodiment of the present invention, there is a structure in which the customer is allowed to input the second identification information previously given to the customer on the payment settlement screen.

By inputting the second identification information on the payment settlement screen, it can be used as information for customer authentication.

As yet another preferred embodiment of the present invention, the second identification information is a dedicated mail address given to a customer.

-4-Replacement Form (Rule 26) By using the e-mail address as the second identification information, an e-mail for authentication can be sent to this e-mail address. The customer can authenticate the customer by following the procedure described in the e-mail sent. For example, by replying to the sent e-mail in the reply mode, customer authentication is completed.

As a last preferred embodiment of the present invention, a mail server is provided which transmits an e-mail containing information for confirming purchased merchandise to the e-mail address after the e-mail address is inputted. Items.

By reading the contents of the e-mail sent to the e-mail address, you can check the purchased items. In other words, it is possible to prevent the purchase of a product by mistake. If the contents of the product can be confirmed, the customer's authentication work can be completed, for example, by replying the e-mail directly in the reply mode. BRIEF DESCRIPTION OF THE FIGURES

Fig. 1 shows a schematic procedure for online shopping using a mobile phone.

Figure 2 shows the contents of the display screen when performing mobile phone and online shopping

Figure 3 is a conceptual diagram showing the first system that constitutes a payment system in an online shop

Figure 4 is a conceptual diagram showing the second system that constitutes the payment system in the online shop

FIG. 5 is a conceptual diagram showing a payment system according to another embodiment.

Fig. 6 is a flow chart showing a schematic procedure for online shopping in the system of Fig. 5. The best mode for carrying out the invention

A preferred embodiment of the present invention will be described with reference to the drawings. Figure 1 is a schematic diagram showing the outline of the procedure when conducting online shopping using a terminal that can connect to the Internet.

Replacement form (Rule 26) It is a low chart. FIG. 2 is a diagram showing the terminal and the contents of the display screen when online shopping is performed. FIG. 3 is a conceptual diagram showing a first system constituting a payment system in an online shop according to the present invention. FIG. 4 is a conceptual diagram showing the second system in the same manner.

FIG. 2 shows a personal computer and a mobile phone as terminals 1. The mobile phone has a display screen 10 using liquid crystal, and the personal computer also has a display screen 10 using liquid crystal or the like. 1, “#” key 12, “*” key 13, decision key 14, etc. are provided. The terminal 1 is not limited to these, but may be a Web TV, a PHS, a wristwatch, a game machine, or the like. In short, any terminal may be used as long as it can be connected to the Internet.

In FIG. 3, a customer U can access a www server 2a, 2b... 2n using a terminal 1 such as a personal computer or a mobile phone to browse a homepage. The homepage described here is a homepage established by a store that sells products for customers to do online shopping. Note that the home page here may be such that the shop is opened by the shop itself, or may be a shop that opens in a shopping mall (virtual shopping street). Each of the servers 2a to 2n has a function as product selection screen display means 20 for displaying a screen for selecting a product on the display screen 10 of the terminal 1.

The servers indicated by A, B, and C at the bottom of FIG. 3 are the servers owned by the mobile phone company. Each of the servers A to C includes a judgment means 30 as described later, a settlement number notification means 31, and a guidance. It has the functions of the information transmission means 32 and the authentication means 33. These functions can be realized by software installed on each of the servers A to C. In addition, each mobile phone company has a database DB (customer management information) for managing information on contracted customers. This database DB stores information such as the customer's name, address, e-mail address, prepaid or not, gender and age corresponding to the mobile phone number.

In addition, another server 50 is interposed between the servers 2a to 2n where the homepage information of each store is stored and each of the servers A to C of the mobile phone company. Payment that displays a screen to settle the price of the purchased product 1—Replacement form (Rule 26) It has a function as screen display means 21.

Hand of online shopping ji | I>

Next, the hand J injection when performing online shoving will be described with reference to the flowchart of FIG. First, the terminal 1 is used to access the homepage of the store (or shopping grooming store) where the product is to be purchased, and the homepage screen is displayed on the display screen 10 (step # 1). An example of the display screen is shown in FIG. Next, the screen shifts to a screen (product selection screen) for selecting the product to be purchased from this screen.

(# 2). This display screen is shown in Figure 41. While looking at this display screen, select the product you want to purchase. When the selection of the product is completed, the enter key 14 is pressed to display the payment settlement screen 42 (# 3). The payment screen 42 includes a first input area 42a for inputting a mobile phone number as identification information of a mobile phone, a second input area 42b for inputting an e-mail address, and a second input area 42b for inputting an address. 3 input areas 4 2c are provided. The total price of the purchased (selected) product is also displayed. Note that various configurations are possible for the configuration example of the display screen, and the display screen is not limited to a specific configuration. Also, the content constituting the homepage is not limited to text information, and image information may be used.

The customer inputs information into each of the input areas 42a to 42c. If the delivery destination of the product to be purchased is the same as the address when the mobile phone contract was made, the address need not be entered in the third input area 42c. If necessary, information for identifying the mobile phone company may be input. In addition, the payment settlement screen 42 is provided (linked) by the server 50 regardless of which homepage is accessed, and can be set in a format common to each store. Can simplify the system.

When the required information is completed on the payment settlement screen 42, when the enter key 14 is pressed, the information is transmitted to the mobile phone company's servers A to C via the server 50. At present, there are three major mobile phone companies, and each company manages the customer database DB separately in Fig. 3. However, the system according to the present invention is not limited to this. However, it is a matter of course that the configuration may be such that unified management is performed by a single database. I 7—Replacement sheet (Rule 26) Assuming that the input telephone number information of the mobile phone is transmitted to server B, the data in database DB is searched (# 5), and the information is transmitted to database DB (customer management information) by judgment means 30. ) Compare with the data and judge. This is performed to determine whether the input telephone number is valid or not (# 6). This will be described below.

Mobile phones are used by individuals, and it is possible to identify a person who wants to purchase a product by phone number. If you purchase a mobile phone and make a contract, you will need an ID card (lucky license). In a strong contract, the individual (contractor) can be identified from the telephone number. However, in the case of a prepaid mobile phone contract, the contract can be made without an ID card, so the individual cannot be identified from the telephone number. Therefore, from the standpoint of a store that sells merchandise, it is preferable not to establish commercial transactions in the case of prepaid mobile phones in order to secure payments. The database DB also stores information on whether the prepaid type is> or not, so that it is possible to easily determine whether or not it is a prepaid type from the transmitted telephone number.

Furthermore, it is preferable not to establish commercial transactions in order to prevent unauthorized use if the mobile phone is stolen or lost. In the case of a corporate contract, the same applies because the individual cannot be identified. If a mobile phone is stolen, information to that effect is recorded in the database DB based on the customer's contact.

As described above, the judging means 30 judges whether or not the telephone number of the mobile phone is legitimate, and sends information to the server 50 to the ^^ determined to be not legitimate. Then, an error display (or a warning display) is displayed on the display screen 10 of the mobile phone 1 (# 13). As a result, commercial transactions by online shopping will not be established.

If the phone number of the mobile phone is determined to be legitimate, a phone number dedicated to settlement is notified. This is a function of the settlement number notifying means 31 of the server B of the mobile phone company. The telephone number notified from the server B is displayed on the display screen 10 of the terminal 1 via the server 50 (# 7). This telephone number can be found on the Internet 1-8 Replacement Sheet (Rule 26) This is set each time online shopping is performed in a shop, and is set randomly (for example, by using a random number table) from available phone numbers. The random settings increase the security of e-commerce. The telephone number dedicated to settlement may be a normal telephone number or a shortened number.

The customer who wants to purchase the product calls using the displayed phone number for payment (# 8). This is to perform voice guidance authentication for the purchased product, and such a system configuration is shown in FIG.

When a call is made, this is received by the receiving device of the authentication server 50. The received information is transmitted to the server B, and the function of the guidance information transmitting means 32 of the server B transmits the voice guidance information to the telephone which made the call via the authentication server 50 (# 9). The customer confirms the content, price, delivery date, etc. of the purchased product by voice guidance. According to the guidance, if there is no error in the contents of the order, by pressing the "#" key 12 of the telephone, the final confirmation of the purchased product or the like can be performed online by the function of the authentication means 33 of the server B. As a result, the commercial transaction in the online shop has been completed (# 10).

To cancel the order, press the "*" key 13 on the telephone to cancel the transaction.

If it is confirmed by the authentication means 33 that the commercial transaction has been established, the authentication server 50 transmits an e-mail ML for instructing the computer to be shipped to the personal computer of the store 51 where the product is sold. . It should be noted that the electronic mail MU may be configured to be delivered from the server 1B of the mobile phone company.

Store 51 sends the goods on the specified date (# 11). On the other hand, the mobile phone company will send an invoice to the customer who purchased the product, in which the price of the product is added to the normal mobile phone charge (# 12). When the shipment of the product is completed, a shipping completion mail is sent from the store 51 to the supermarket 50. The customer can confirm that the product has been sent by receiving this e-mail.

The mobile phone company pays the merchandise to the store 51 by an appropriate method. Also, after the business transaction is completed, the customer can enter a specific password and enter the replacement form (Rule 26). Details can be confirmed on the homepage 52. This statement confirmation home page 52 can be viewed until the shipment of the product is completed.

Another embodiment>

Next, another configuration example of the system according to the present invention will be described with reference to FIGS.

FIG. 5 is a conceptual diagram of a system according to another configuration example. FIG. 6 is a flowchart showing a schematic procedure for performing online shopping in the system of FIG. 5. In the system of FIG. 5, parts having the same functions as those of the system shown in FIG. are doing. Customer U can access the www server 2a, 2b · · · 2n using the terminal 1 such as a personal computer or a mobile phone to browse the homepage. Each of the servers 2 a to 2 n has a function of a product selection screen display means 20 for displaying a screen for selecting a product on the display screen 10 of the terminal 1.

The server 60 has the function as the settlement screen display means 21 already described, the identification information adding means 62, the mail sending means 63, the information analyzing means 64, the order number creating means 65, the authentication. It has each function such as the means 66. Each of these functions can be realized by a computer program installed on the server 60. The server 60 has a customer database 61 in which customer information is registered. This database 61, unlike the one shown in FIG. 3, is constructed independently.

In the customer database 61, various information of customers who use online shopping is registered. The identification information assigning means .62 assigns identification information (second identification information) to the customer when registering various information of the customer in the customer database 61. The identification information can be constituted by an arbitrary combination of characters such as a 'numeric' sign. In the present embodiment, as an example, a dedicated mail address is assigned as the second identification information.

The mail transmission means 63 has a function of automatically transmitting an e-mail to the terminal 1 of the customer. This e-mail is required to confirm the purchased product and to authenticate the customer. The information analyzing means 64 prays the content of the information transmitted from the terminal 1 of the customer and makes a comparison judgment with the registered content of the database 61. Order number creation method 6 5

-10-Replacement paper (Rule 26) Automatically creates an order number when a product is purchased. The authentication means 66 authenticates the customer.

Although FIG. 5 illustrates a single server 60, the present invention is not limited to this, and may be configured with multiple servers to distribute functions. As a result, the load on the server can be reduced.

Next, the procedure for online shopping will be described with reference to the flowchart of FIG. First, the terminal 1 is used to access a homepage of a store (or a shopping mall) at which a product is to be purchased, and a homepage screen is displayed on the display screen 10 (# 20). An example of the display screen is shown by figure number 40 in FIG. Customers must register to use the product purchase service on this website. In this case, for example, a registration button (not shown) shown on the display screen is clicked to display a member registration screen (not shown). The customer enters necessary items on this registration screen. For example, customer name, address, home (work) phone number, mobile phone number, credit card number, etc. The credit card number is entered only when registering.

After entering all necessary items, the customer sends the input data. It is preferable that the transmission of the data is performed in a manner different from that of the first embodiment. The input data is transmitted to the server 60, the contents of the input data are analyzed by the function of the information analysis means 64, and the customer information is registered in the customer database 61 (# 21).

When the customer information is registered, a dedicated mail address as second identification information is given by the function of the identification information providing means 62 (# 22). When the dedicated mail address is given, the customer sets the mail on the terminal 1 so that it can be used. This dedicated mail address may be used as a Web mail set on the Web.

As described above, when the registration of the customer information is completed and the dedicated mail address is given, online shopping can be used. The customer moves to the product selection screen as shown by the diagram number 41 in FIG. 2 and selects the product to be purchased (# 23). When the selection of the product is completed, the customer returns to the payment settlement screen 42 ( # twenty four ) . Replacement form (Rule 26) The payment screen 42 includes a first input area 42a for inputting a mobile phone number, which is identification information of a mobile phone, and a second input area 42a for inputting the dedicated e-mail address given in step # 22.

A second input area 42b and a third input area 42c for inputting an address are provided. The total price of the purchased (selected) product is also displayed. It is to be noted that the configuration example of the display screen is not limited to the illustrated example, as described above.

The customer inputs information to the input areas 42a to 42c, respectively (# 25). The payment screen 42 is provided (linked) by the server 160 no matter which website is accessed, and can be set to a common format for each store. It can be simplified.

When the necessary information has been entered on the payment settlement screen 42, press the enter key (or click the send button). As a result, the input data is transmitted to the server 60. When the input data is transmitted to the server 60, the contents of the input data are analyzed by the function of the information analysis means 64. More specifically, it checks whether the data is input data from a customer registered in the customer database 61. For example, it is determined whether the contents such as the input mobile phone number and the mail address are registered (# 26). If a match with the data registered in the database 61 cannot be confirmed, an error message is displayed on the display screen of the terminal 1 (#

3 1)).

When it is confirmed from the input data transmitted to the server 60 that the customer is registered in the database 61, a number dedicated to settlement is generated by the function of the order number creating means 65 (# 27). Then, an e-mail containing the details of the purchased product and the generated payment special number is sent to the customer's special email address (# 28).

When the email is sent, the customer checks the content of the email. In other words, the user confirms whether the product he / she purchased through online shopping is powerful or not wrong (# 29). If the contents can be confirmed, the transmitted mail is returned as it is in the reply mode (# 30). When the authentication means 66 confirms that the mail has been returned in the reply mode, it means that the commercial transaction of the product purchase has been officially established.

2-1 Replacement form (Rule 26) As another authentication method, it is possible to authenticate by sending the order number described in the e-mail by pressing the numeric key of the mobile phone.

After the transaction is completed, the shipment of the goods and the actual payment of the price may be the same as those already described in FIG.

The present invention is not limited to the embodiments shown in FIGS. 1 to 6, and various forms can be adopted as long as the object of the present invention can be achieved. For example, the following modifications are available.

(1) As a mobile terminal, not only a mobile phone: The present invention can be applied to a case where a mopile terminal such as a PHS is used.

(2) In the present embodiment, the final confirmation of the purchased product is performed by voice guidance. Instead, the screen of the dedicated homepage for confirming the order content is displayed on the display screen 10 of the terminal 1. Final confirmation may be performed.

(3) In the present embodiment, the payment settlement screen 42 has three input areas 42a to 42c. However, the payment settlement screen 42 may include only the first input area 42a for inputting a mobile phone number.

(4) In the present embodiment, the function of the guidance information transmitting means 32 and the function of the authentication means 33 are provided in the server B of the mobile phone company, but instead, the authentication server 50 may have the functions. May be configured.

(5) The concept of product purchase in the present invention includes the provision of services such as reservation of accommodation facilities and sale of various tickets.

(6) In the present embodiment, a mail address is used as the second identification information, but any other combination of letters, numbers, and signs may be used.

(7) The various configurations disclosed in this specification can be implemented in any combination within the scope of the present invention.

Replacement form (Rule 26)

Claims

The scope of the claims

1. A payment system in an online shop where users access the homepage and purchase products online using a terminal that can connect to the Internet, and display a payment screen on the display screen provided on the terminal. Display means,

A payment system in a net shop, wherein payment for a purchased product is performed based on the input identification information.

2. The method according to claim 1, further comprising a determination unit configured to determine whether the input identification information is legitimate based on customer management information. Payment system.

3. The online shop according to claim 2, wherein, if the input identification information is legitimate, a telephone number dedicated to payment is displayed on the display screen of the terminal. Payment system.

4. Guidance information transmitting means for transmitting guidance information for confirming the purchased product by calling the customer with the telephone number dedicated to settlement,

4. The payment system in an online shop according to claim 3, further comprising: authentication means for performing final confirmation of the purchase of the product based on a customer's confirmation input.

5. The payment system in an online shop according to any one of claims 1 to 4, wherein the mobile terminal is a mobile phone, and the identification information is a telephone number of the mobile phone. .

6. In order for a customer to use the online shop, a customer database for registering customer information in advance and identification information providing means for providing the customer with second identification information at the time of the registration are provided. A payment system in an online shop according to any one of claims 1 to 5, characterized in that:

7. The payment system for an online shop according to claim 6, wherein the second payment information provided to the customer in advance is input on the payment screen.

4-1 Replacement form (Rule 26)

8. The payment system in an online shop according to claim 7, wherein the second identification information is a dedicated mail address given to a customer.

9. A mail sender for sending an e-mail including information for confirming a purchased product to the e-mail address after the e-mail address is input. Payment system in the online shop described in 8 „

5-1 Replacement form (Rule 26)